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420 Living Your Life By Design as an Investor - Interview with Chase Maher

https://moneyripples.com/2020/09/08/420-living-your-life-by-design-as-an-investor-interview-with-chase-maher/

Today, Chris Miles talks with Chase Maher. He started real estate investing in 2008, which is the time that everyone was running away from it. Chase ran towards it instead and was born out of the fire.

Chase also does wholesale, house flipping, he is an entrepreneur, and he is an investor.

So today, what we want to know is how can someone like Chase Maher who is into all these businesses, still have a life outside of it as well? And that’s the important part.

Listen to our Podcast here:

https://www.blogtalkradio.com/moneyripples/2020/07/24/420--living-your-life-by-design-as-an-investor--interview-with-chase-maher

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Chris Miles (00:07): Hello, my fellow Ripplers! This is Chris Miles. Your Cash Flow Expert and Anti-Financial Advisor. Welcome you out for a wonderful show. Show that’s for you and about you. Those of you that work so stinking hard for your money, and you’re ready for your money to start working harder for you. Now! You want that freedom. That cash flow. That prosperity. Today! Not 30 or 40 bazillion years from now, but right now. So you can have that life that you love doing what you love being with those that you love. But guys, it’s not just be able to get out of the rat race yourself, right. And have that lifestyle that you dreamed of, which is definitely awesome. But it’s so much more than that because as a Rippler, you can create a Ripple effect in the lives of others. You can bless more lives when you are free. And so guys, I’m proud to be a part of this group. To be a Rippler with you because man, I love what you guys are up to. I love hearing about the good that you’re up to. The results you’re creating, but I love also the fact that you guys are bingeing and sharing the show too. So I appreciate that so much.

Chris Miles (01:03): As a quick reminder, check out our website, MoneyRipples.com. You’ve got the ebook on there, Beyond Rice and Beans. You can download for free today. And by the way, if you hate reading, don’t worry. It’s like 28 pages because I put page breaks and pictures in there. So you’re welcome. It’ll take you like 15 minutes, but check that out as well as the other blogs that are being uploaded as well.

Chris Miles (01:22): Alright! Today, I’ve got a special guest here. Chase Maher. Now, Chase, you know, interesting thing with him, is that not only he is a podcast host, which I definitely recommend you guys go check out his show, but the thing that’s so cool about Chase is that he’s a real estate investor doing the very things. And he was born at a fire. Like he started investing in 2008, when everybody was saying run, he was running towards the fire. Right? So, I mean, Chase started doing real estate investing. He does things with San Diego. In Tucson. And even out East as well. And so he does wholesaling, fixing, flipping. He’s an entrepreneur and investor all together wrapped in one. And that’s primarily why I wanted to bring him on here today because you know what, how is it that someone can actually have a business. Like what he does, but still have a lifestyle. Just like we talked about in the show, right? It’s not just about making a lot of money. It’s about having a life too. And that’s the main thing I want to talk about to Chase about today. So, Chase, welcome to our show!

Chase Maher (02:17): Chris man. Thanks for having me. I’m excited. Just had you on my show. So a little swap here, man, and you dropped a lot of value, so hopefully I can return the favor.

Chris Miles (02:26): I guarantee it, man. Like I can already tell just from our conversation, that’s going to be easy, you know.

Chase Maher (02:30): For sure.

Chris Miles (02:31): So give us some background, like what even led you down that path. I mean, of all the things you could have done, why would you want to go and be crazy Investing real estate when everybody else said run, right?

Chase Maher (02:40): Yeah. Well, you know, I wish I waited two years and started in 2010, but Hey, I started in 2008. I’ll tell you the story. It’s actually pretty good. So I’m 30 years old now. I live in San Diego. And I grew up in Virginia Beach, Virginia and I grew up in the car dealership. My parents owned a couple car dealerships. I grew up, I learned the sales, used to pick-up cigarette butts, then wash the cars. Then I went to the auctions and eventually just kind of ran the show, working full time through college. And I always had discipline with money. I always had that entrepreneurial mindset where, you know, my dad taught me, put it away, put it away. I started buying gold when I was like 14 years old and, I had that mindset, but I never knew anything about real estate. My parents weren’t real estate investors. And when I was 18 moving out of my freshmen dorm and I saw like a lot of my buddies were going to go kinda split a house rental near our college, old dominion university, shout out to the monarchs. And I was like, man, I got like 25 grand in the bank. Why don’t I just like take 20K of that and go buy a house?

Chase Maher (03:45): And so I called up a real estate agent that I knew and I went and bought a house and I had no idea what I was doing. I did not know that we needed to check the market. I didn’t know the world was on fire with mortgages. I bought it June, 2008 and I basically house hacked it with buddies before house hacking was even like a buzzword. I rented out each bedrooms, four bedroom house. I rented out each bedroom for 500 bucks. Rented out the garage for 600 bucks. Covered my mortgage. Covered all my utilities and all throughout college, I lived rent-free, but you know, by July or by June, 2009, the house lost like 35% in value. But Hey, it recovered. I still have it to this day. And it’s a really good cash flow machine for me. And you know, after a couple of years I said, why don’t I do it again? And again, and again, and fast forward to now I live in San Diego. I fix and flip. I wholesale. I do some Realty stuff here and there. And I’m still invested in properties.

Chris Miles (04:37): Well, yeah, I think the cool thing that you did, whether you knew it or not, is that you still focused on the cash flow part, right? That’s the mistake I made during the last recession. I was buying property. So I thought, well, man, like if I can buy a hundred thousand property and appreciates 10%, that’s 10,000 bucks. But if you buy a 500,000 property, 10%, that’s 50,000. So let’s go big or go home. Right. And then I was like, no, I’m going home. You know, it was pretty bad, but I mean, you still, at least had roommates go into there. Or even after you probably moved out, you probably saw students in there paying rent. So even if it lost value, you were still getting paid.

Chase Maher (05:12): Yeah, absolutely. You know, the only appreciation that I bank on is forced appreciation. So, I don’t factor in any of my underwriting. Hey, hopefully the property value goes up 3% or 5% or here in San Diego sometimes 10% in the year, 2015, we went up like 20% in one year. So what I mean by that is forced appreciation. So actively figuring out ways that when I buy it, how can I increase the value of it by 10% 20% 30% within a 12 month period? Refinancing, getting my money back, redeploying it.

Chris Miles (05:42): I like that because you want to play it safe. Cause you’re not trying to bank on appreciation. You’re trying to bank on we’re going to do that actually, control the variables, right? Control the values versus just hoping that the values hold or whatever it might be.

Chase Maher (05:53): Yeah. I take the risk with my business and I play it safe with my investments. That’s kind of my philosophy.

Chris Miles (05:59): That’s great! I love it! So tell us more about that. Like, I mean you’re only 30, right?

Chase Maher (06:04): Yeah. I’m thirty.

Chris Miles (06:04): I mean, most people.

Chase Maher (06:06): Thanks for using the only!

Chris Miles (06:09): Yeah. I know. Coming from a guy who’s almost 13 years older than you. Yeah. So, you know, like for me it’s like, that’s incredible because when I was 30, I was trying to dig myself out of a hole. Right. Like I was going through the recession, you know, but I mean, you, I mean, you’ve actually been doing this, like you said, since you were 18 years old, you know, and again, it’s not something you just started doing a couple like three years ago. Like I always laugh with people that come by. They’re like, Oh yeah, I’m successful. I’ve been doing this for three years. And like, you haven’t seen anything yet. You know? So I mean, that being said, like, what do you feel is like been kind of a secret of success for you both, whether it be for your business and or even with your investing too?

Chase Maher (06:44): Yeah, man! I think discipline is like the most important thing. And just figuring out what’s your longterm goal, your longterm strategy and sort of reverse engineering it from there and it doesn’t have to be perfect. So if anybody’s out there and they’re listening, you’re trying to out like, what’s your life goals? What do you want to do? It doesn’t have to be perfect. Imperfect action is better than taking no action. So when I was 18, I bought that property. I thought to myself, man, you know, I’m going to school with some kids that are trust fund babies. They’re inheriting a bunch of money and they’re kind of blowing it and they’re blowing it because they don’t know what to do with it.

Chase Maher (07:18): And they don’t have any sort of education around it. So I started studying money and I didn’t inherit any crazy amount of money. I didn’t inherit anything. And I told myself, I want to be educated with money. I want to make sure that this mistake of a house that I just bought that, you know, fast forward, it’s not a mistake now, but at the time, imagine 12 months after you buy it. And the value is down 30%. You’re like, crap. What did I do? So that caused me to study markets that caused me to study, you know, market philosophy and what’s kinda going on. And like I said, I didn’t inherit any money. I wanted to be able to pass down money generations below me. I wanted to be that first one that when I have a great, great grandchild, they look at me and they think that’s the one that changed the path for our family forever.

Chase Maher (08:04): But I wanted to do it in a way that they were educated and they knew how to handle the funds that I passed down to them, the assets that I pass down to them so that they stay in families forever. You think about some of the wealthiest people in the world, the Rothschilds and a few others. It’s a family. And they run that family like a business. And I wanted to instill that. So I started studying the markets, studying books, listening to podcasts and just making the right decisions along the way. And like anything, those decisions compounded over time.

Chris Miles (08:31): That’s right. That’s like what? My, one of my old buddies, well, my old partners wrote the book. What would the Rockefellers do? Right. And it’s a big point, you know, it’s what can you actually pass on? And it goes beyond it really you’re creating your own ripple effect, right? Yeah. Not just for the people that you come in contact with, but really, I think one of the biggest ripple effects you could ever create is through your own family, creating that legacy.

Chase Maher (08:52): I couldn’t agree more.

Chris Miles (08:53): And the cool thing is too. I can already tell from what you said. You said it’s not just passing down the money, is it?

Chase Maher (08:59): No, it’s passing down the assets. So my philosophy is active income versus passive income. And so I like being an entrepreneur. I love being an entrepreneur. I haven’t had a job since high school. I really enjoy it. I’ve done a bunch of different things. So anybody that’s listening, if you think, Oh, here’s this 30 year old guy and he’s got it all figured out from 18 years old, that’s not true. From, you know, 18 to 22. I was selling cars and buying houses. And then from 22 to 26, I was kinda lost and just kind of living off my income from my assets. Blowing through my savings, traveling Southern California, you know, snowboarding, surfing all over the world. Kind of figuring out what I wanted to do. And then I ramped up the active income part again in my late twenties.

Chase Maher (09:43): And that instilled this like philosophy in me that if we can eliminate distractions and we can stay disciplined, we can have some strong, active income sources. We put it away, properly and passive income. And we live a lifestyle that is enjoyable to us. So I can do it for the long haul and not get burnt out. I saw my dad get burnt out when I was young and I saw him get overweight and get on healthy. And it, it made me think I don’t want that to happen to me. So I wrote down on paper, what’s important to me between health, wealth and relationships. And I just kind of live by that philosophy that if I’m not happy and I’m not able to do the things that I want to do, what the heck am I working this hard for anyways? So it’s really important to me. And I definitely, you know, I enjoy sharing that.

Chris Miles (10:29): There is a lot right there, man! Everybody, that’s a part you should probably go back and rewind a couple of times and re-listen to because there’s so many different tangents we could take with us. Right.

Chase Maher (10:39): Yeah. I know. Sometimes I’m valuable a little bit.

Chris Miles (10:39): Yeah. We can create like three shows that last comment you just made and we agreed create all these tangents from it. I think the thing that’s more valuable if I’m thinking from listener’s perspective here too is, youth aspects, right? I mean, one, I think will make a big point that you already said is, I love the clarity that you were having. Right? Like you’re writing this down. You’re saying, what is my life really about? And I think we even made this mentioned another time, you know, before we went on the air. Where that question of, you know, if money were no issue, what would you spend your time doing, right? Like kind of like, what do you want to be when you grow up? I know that there’s 60 and 70 year olds out there that have not asked this question with. What would I want to spend my time doing? Right? Like what would you do if you hit your financial goals? And what would that life look like? And it sounds like you really have to kind of create an architecture behind that life, didn’t you with that design?

Chase Maher (11:30): Absolutely. And it comes from repetition of constantly thinking over and over. And it, for anybody listening out there, if you like constantly have the same thought over and over, you should probably follow that instinct. And what I mean by if you’re constantly thinking I want to be in real estate, or if you’re constantly thinking, man, I want to be able to take a snowboard trip every year. Or if you’re constantly thinking, you know, I want live in this city, you should start crafting your lifestyle around, being able to do that. There’s a calling that you’re having that you should go after that. And I truly feel that the most depressed people in the world, they’re the ones that aren’t listening to that calling. They’re the ones that keep that thought in the back of their mind rather than in the front of their minds. So what that looks like to me is like purging out the things that, I’ll put it to you this way. There’s a lot of things that matter, but focus on the things that matter a lot.

Chase Maher (12:19): And what I mean by that is like, I would love to, you know, be a great golfer or a great tennis player or, you know, still play basketball twice a week. Like, you know, all these things. But what I love more is surfing. I love more is snowboarding. So I don’t waste any time, like trying to learn anything new. I just stay with what I know. I try to stay a fish when it comes to food. I’d love to learn how to cook this, this and this, but I just stay efficient because that mental space is better focused elsewhere. I’d rather go all in on the things that I know make me happy rather than trying to go discover a bunch of other thing. And the same applies with money. So that one core active income source and then pick a few streams of passive income for me, it’s hard assets and just stay focused and try not to lose sight of, you know, what you’ve written down and what you want to focus on because it will compound over time. You’ll get better and better and better.

Chris Miles (13:14): So true. Yeah. I want to go to both of those points. Man, you’re making this so hard on me, man. Cause you have, you’re testing my focus right now of how I can do this. But you know, when you mentioned about like the designing that life, right? Like really, you know, figuring out what is it you want? It took me back to four years ago when I asked my wife to marry me, you know, I said, Hey, I want to marry you. She says, all right, two conditions, one, no more kids. Cause eight is enough. Right. So we’re not having anymore. And then two, you need to make sure that every winter, she was like, I don’t care if you come or not. But every winter I got to leave, like I cannot do another Utah winter anymore. Like I’m done. I’m from the tropics. I can’t do it.

Chris Miles (13:57): And I said, all right, well, let’s do this. You know? And in my mind that was something that was impossible. Right. That seemed impossible. But when we really like mapped it out, like figured out how much would it really cost to do that? And you know, obviously, you know, of course with my business being virtual, I can do it anywhere anyways, but it was a whole mindset shift. And now I realize it’s freaking easy. It’s easy to do that. Like the hardest thing is now just, you know, trying to make it all work with children. You know, that’s the hardest part, but everything else is great, you know? And so I love that you did that. You can design that life. And once, you know, it’s easier to create.

Chase Maher (14:31): Chris, Gary Keller talks a lot about living a life by design. And if we don’t build a plan and then work towards that plan, we’re kind of just like living endlessly and just kind of wandering. And that’s a lifestyle that I didn’t really want for me. So I made that decision to live a life by design.

Chris Miles (14:49): I love it. So tell us, you mentioned about the income streams too, right? So you say you have one main income stream and you create other income streams. Tell us more about your philosophy on that.

Chase Maher (14:58): So active income figure out what’s that sweet spot that you can live off, you know, 50% or less of that active income and then invest the rest. And so for me, I figured out, you know, what’s that sweet spot and then I want to invest everything else. And so the active income that I like kind of sets up my passive income stream. So I realized that I wanted to have rental properties. I wanted to have buildings and assets. And so how can I build an active income that kind of sets that up? Well, it was lead generation for distressed properties, and then I can take those properties. I can fix and flip them. I can wholesale them. I can list them as an agent or I can refer them to a realtor. So those are four different streams of active income that are all built off of one marketing channel.

Chris Miles (15:44): Just one activity, yeah.

Chase Maher (15:45): One activity. We’re just, how do I simplify and dumb it down? Here’s another thing that I learned from Gary Keller when I was an agent is, what’s the one thing that you can do that makes everything simple or unnecessary? And so I focus on lead generation and then how can I maximize my use of that property? And then also what that does is I’m able to cherry pick the best ones for my portfolio. It kind of all builds off of that. And then from there, you know, some other income streams, passive that were sort of built off that and you know, just focusing on what that sweet spot is. So me personally, now I live off 30% of it and I invest the rest. And, you know, based off your investment philosophies, I learned from you and your show, we kind of have a lot of alignment there as well.

Chris Miles (16:33): Yeah. I love that! I love that! That basic philosophy of saying, all right, how do I get myself to have a lifestyle where I’m only at 50% of my income? That’s, for some people that’s a stretch, right. But it is kind of a core challenge.

Chase Maher (16:46): Yeah. You just got to make more than, you know, if your lifestyle is, is 10 grand, you need to figure out a way to make 20 grand. And actually you need to work, figure out a way to make like 30 grand cause of the taxes. So another reason why I love being an entrepreneur is, you know, tax saving strategies. So I’ve figured out how can I pay the least amount of taxes legally? And that’s by setting up, you know, an escorp paying myself a salary, profit distributions, owning assets that I can write off the interest. And so that sweet spot for me, I’m able to like focus in on it more and more and not have to go too high above that because I’m saving money on the taxes as well.

Chris Miles (17:25): That’s true. I get a lot of clients where, you know, like I get some of that. We can get them retire like this year, right. Others might take within five to seven years, 10 years. And I get some of those clients they’ll say, alright, like we got a couple deals, but they didn’t have a whole lot of cash. Like maybe they have 50 to a hundred grand. We’re like, alright, we’re making 500,000 passive a month, but we need 10,000 a month. Right. And it seems like there’s a big Hill to climb. We’re like, well, how do we do it faster, Chris? I’m like, well, other than just reinvesting the money you’re making, I’m like the best thing you can do is just find other ways to create more income or reduce your expenses and allow yourself to invest more faster. That is really the amplifier. Right? That’s the thing that multiplies it all is if you go from saying, Oh, I only got a thousand a month to build a, to put towards buying passive investments versus, Hey, I’ve now got 5,000 or 10,000 a month. I can put towards that. It’s a complete game changer. Like the numbers has become exponentially better. When you do that.

Chase Maher (18:24): Yeah. If you can think of a way to like productize yourself. And what that looks like is either sell it for more, make more money or reduce your costs, reduce your expenses. It’s pretty simple. I usually opt for, I like just trying to make more money because I still like, I like that 30% or 50% I focus on the 30%. I like to live a good lifestyle though. You know, like I’m not some Rice and Beans kind of guy. I do a lot of trips, a lot of traveling. I figure out what’s that sweet spot. So do you need that? You know, tier two or tier three above the current car you’re driving right now? Do you need that fifth surfboard? Do you need, you know, certain things like, do you really need them and you know, live your life a little bit above the needs so that you’re still happy and you’re still enjoying yourself, but ask yourself on your purchases. Like, are there certain things like, do I really need that? And then, you know, if you do buy it, try to match that towards an investment. So anything that’s a want, I buy it and it’s 500 bucks, all right. Then I need to commit to 500 bucks towards an investment. And so kind of simplified it like that.

Chris Miles (19:32): I think that’s the key is that, I mean, just like you said earlier, like when you can really know what you want, right? What’s really the priority. Yeah. You can still have a life that you love, but you can say, you know, all those rest of the stuff is distraction. It’s just extra clutter in my life. I don’t need it. Simplify on what I really want. Keep that simple life and create freedom from it. I love that.

Chase Maher (19:52): Yeah, man.

Chris Miles (19:53): Cool, man. Well, Hey, if people want to get to know your stuff or follow you or whatever, what’s the best way they can do that, Chase?

Chase Maher (19:59): So the best way is my podcast. The Life Worth Chasing Podcasts. We talk about real estate, money, wealth, business strategies, and pretty much every guest that I bring on like yourself, you were just on. I really want to make sure that they live, you know, a life by design that, you know, they’re not working until their eyes bleed. And so it’s the kind of show that you’re going to learn a lot, but you’re also going to be inspired. And then if you want to get ahold of me directly, the best place is probably on Twitter and it’s @iamchasemaher and yeah, I’m on Twitter a lot dropping knowledge. That’s how I communicate with a lot of people and can join me on there. And there’s a lot of good, useful information on that.

Chris Miles (20:35): Awesome! Chase, I really appreciate it. Like I said, there were so many nuggets on here. We could go like an hour long episode and have some fun with this, but man, the stuff you’ve given, I recommend people listen to show more than once just to pick up on these nuggets you’ve given us. So I really appreciate that.

Chase Maher (20:50): Hey, my pleasure, man. I appreciate you having me on.

Chris Miles (20:53): You bet! Everybody else, you know, we’ll put in the show notes, you know, Chase’s podcast as well as his Twitter handle. So check them out, check out his stuff. Great show. As you already know, like, well, our life is so much more than just money, right? It’s so much about the kind of life that we can create. So make sure you follow his show because that’s what it’s all about. And definitely reach out to Chase. If you feel like that little ping of, Oh, that resonated that I needed that. So check him out. Everybody, I hope you make it a wonderful and prosperous week. We’ll see you later.

#Anti-financial Advisor #Cash flow #Cash flow Expert #Debts #Entrepreneur #Financial Freedom #Money Ripples #Chris Miles

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tristangottlieb30-blog · 5 years

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leyahroehl · 4 years

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BEST ANSWER: Try this site where you can compare quotes from different companies :coverage-finder.net

nh homeowners insurance

nh homeowners insurance is all about what is important to you. Your homeowners policy also covers you against losses caused by liability incidents. These can happen even when your home is not in the same neighborhood as you lived. If your place of residence gets wrecked or if your home gets damaged by a flood, it may have to be covered. Most modern homes are more than ten years old. Although your home is older, your policy protects you from significant insurance losses if you have damage from a natural disaster. What can your plan expect? An agent can provide you with a quote within 24 hours. In some states and cities your insurance agent can be a valuable source to compare quotes and find discounts as well. This tool will ask you for a list of 10 insurance companies who offer home insurance in your area. Then, we’ll calculate your annual mortgage rates, and let you know the insurance company has an approved claim percentage. If you want to compare home insurance in less than 10 minutes, . Enter your ZIP code in. nh homeowners insurance in Illinois to be affordable. With the exception of and, there are a couple of insurance companies that are that are very high in their price range. There are many different factors that affect and are important to know to find the best deal for your situation and your budget. So, this article answers your general questions of insurance and car insurance in Illinois. The information here is general, but it’s important to understand that there are some major car insurance companies in the state of Illinois that actually provide car insurance for all types of vehicles. That being said, there are also a few small family owned auto insurance companies that provide their auto insurance policy as well as homeowner coverage. In Illinois, one of the biggest benefits of car ownership is the increased availability of more insurance companies. However, this is not the only reason to purchase an insurance policy from one of the largest companies—insurance companies have been making the jump to offer their policies for several years —and. nh homeowners insurance is not a good idea, especially if you have a mortgage. When you’re borrowing a credit card to pay for future payments, ask your co-signer to make sure that they’re paying as little as possible before they cancel. Even if you are insured, you should review your policy before you cancel. It’s important to review the coverage before canceling your policy, so that the cancellation does not impact your policy. This is because the credit card insurer will not tell you your policy limits. It’s advisable to cancel all of your policies before you cancel. If you want to check your policy information, you’ll want to contact your insurance agent. There are two general communication methods for canceling car insurance. Your insurance agent will inform you which insurance products are most often available to you. With car insurance, you are given a specific number of days to cancel, and you know when you will be contacted. You should cancel your policy or cancel.

The Place to Go For New Hampshire Homeowners Insurance in Concord NH

The Place to Go For New Hampshire Homeowners Insurance in Concord NH The average monthly price of home insurance in Concord NH The cheapest home insurance providers in Concord can be found in this area in Concord The lowest homeowners insurance companies in Concord are found in this area in Concord A quick and easy home insurance quote comparison on Compare.com. The right insurance policy can save you a lot of money! Compare quotes from the top home insurance companies and save with now! Easily compare and buy life insurance Easily compare and buy disability insurance Easily compare and buy homeowners insurance Easily compare and buy auto insurance Easily compare and buy renters insurance LongTerm care insurance provides comprehensive protection for your finances after a loss, like a new baby In general, homeowners insurance covers you to cover your house and other structures in the event of a covered loss, although thatâs usually less than an umbrella self insurance policy can be. If youâre unsure of which policy covers your home and belongings, call The Zebra or your local agent.

Quick Insurance Links

Quick Insurance Links The insurance links you have provided or know about are available from time to time. You can check for free insurance references at . The purpose of this advice is only to apply to licensed and authorized insurance professionals. You will need to consult with an agent for specifics regarding the coverage you have. If you choose to make such a mistake, your attorney will be able to help you learn from the experience of the insurance companies that will offer coverage for auto, home, business and other types of property for sale. If you are charged with any of these violations, you should know that your insurance provider may file an SR-22 by your state. A judge or court might, to name just a few, order you to pay your insurance premiums or register for a revoked license, and then must send a certificate of liability insurance for your future. Insurers typically charge more when your own policy is canceled or laps.

Submit this form and get a no-obligation NH homeowners insurance quote from our team!

Submit this form and get a no-obligation NH homeowners insurance quote from our team! NH residents pay an average of $676.43 per year for their auto insurance, which is slightly higher than the national average of $1,688.05 . This would be approximately $120 /month for about the whole year. NH drivers also have to contend with severe hurricanes in nearby N.H.U. and tidal waves in other parts of the city. If you live in one of these areas and can’t find the car insurance policy that is right for you, consider a smaller, regional company for that specific area. Check with your local independent agent to see if a different company is a better fit for you. New Hampshire is not one of the top-rated states for financial responsibility, so if your insurance needs are considered only part of your budget, chances are you don’t have much to lose with a no-loss car insurance policy. To learn more about how your car insurance can be a bit different, check out our . *Check your.

The Foy Insurance Difference

The Foy Insurance Difference: Foy’s auto insurance policy (which includes a policy rider and driver’s license) includes a limit on liability. It also includes a driver’s license. If you already have car insurance, you may be wondering the difference so you can better understand how Foy insurance works. This is the same as the difference between your traditional car insurance policy and Foy’s auto insurance policy. The Foy insurance policy has all of its benefits which allow you to choose if you want to purchase a policy with Foy and the insurance company will provide coverage to the extent necessary. As your own Foy auto insurance policy, you pay for your own vehicle damage and costs of any injuries. When you pay for Foy auto insurance by phone, you’re making payments over a certain amount of money. You should be familiar with the Foy Insurance policy in the past and you should never be tempted to cancel it as soon as the phone call is needed. F.

New Hampshire Homeowners Insurance FAQs

New Hampshire Homeowners Insurance FAQs How do I file a claim with my auto insurance company? You must contact your insurance company directly or call . The time you need to file a claim is in advance of the insurer receiving your claim and following the claims process. It is important to notify your car insurance company of any changes in your situation, whether it’s moving, changing or having a rental car. If you are not currently insured or would like to cancel your policy, you have several options other than calling your insurance company. Call your agent or go online. By working with an independent agent, you can receive multiple quotes from different parties. This information is designed to help you with your decision-making, and it is not intended to provide advice. Contact a local independent agent in the Trusted Choice network today for assistance concerning the insurance options that are available to you. No matter where you live, car insurance should be a top priority. Whether you’re an active or veteran driver, or you.

Special Home Insurance Situations in New Hampshire

Special Home Insurance Situations in New Hampshire. Call for a quote today at to make changes to your life insurance policy. Helpful life insurance agents, who can assist you in servicing your policy, are just a phone call away. For all other policies, call or log in to your current , , or policy to review your policy and contact a customer service agent to discuss your jewelry insurance options. Purchased Mexico auto insurance before? With just a few clicks you can your insurance policy is with to find policy service options and contact information. The most accurate insurance information available is available in all state-by-state coverage descriptions. The National Association of Insurance Commissioners (NAIC) of each state can help consumers understand the different types of insurance coverage. Consumers can find the specific information on the Insurance Information Institute’s website. Consumers will also find information about state regulations and the , which provide regulatory requirements for homeowners insurance policies. You’ll also find information about the.

Home Insurance Coverage

Home Insurance Coverage No-fault car accident coverage (A) No-fault insurance will reimburse you for your injuries or property damage claims if your: (i) The collision will have occurred under the fault of the injured parties, at the insured’s expense, or on the insured’s own terms; and (ii) No-fault insurance will reimburse you for any medical losses or repair costs you are not able pay, up to coverage limits, for which you were uninsured. In the state of Florida, you may be entitled to the following: $100,000 per person/$300,000 per accident $50,000 for each injured person $100,000 for the property of another According to Florida law, you are only required to carry minimum liability coverage for Florida when the person insured is at fault in an accident. You are also required to carry uninsured and underinsured motorist coverage as follows: $.

Homeowners insurance quotes in New Hampshire by Company

Homeowners insurance quotes in New Hampshire by Company of the Day: A common question when it comes to insurance rates is: “How much does auto insurance cost, by the numbers?” Yes. The more coverage you need, the higher your rate will be. Many auto insurance companies are offering in-car collision and comprehensive insurance with up to $25,000 of coverage in the event that you can t reach an approved deductible. As mentioned above, drivers who drive for rideshare companies are required to have the following insurance types – personal injury protection, collision and comprehensive insurance. The difference in premiums between the average car insurance premiums that the companies offer across the country is not so much in price as it is a personal investment for me. I love to say that in the event of an accident, I would be very concerned. However, I truly do value that I have the ability to handle insurance and manage any risks well. What does that mean to you as a policyholder? Do you have the time and the drive to make the.

Find Out What Your Homeowners Insurance in New Hampshire Will Cost – Get a Free Quote Today!

Find Out What Your Homeowners Insurance in New Hampshire Will Cost – Get a Free Quote Today! I m a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it. Expert Insurance Reviews has one simple mission – to help consumers learn about insurance and get free insurance quotes online. We aim to be your first stop for insurance questions and to save you money on your insurance with our free policy quotes from the trustworthy companies in our nationwide network of insurance providers. The best auto insurance companies in Texas are Farmers Insurance, The Hartford, State Farm, Farmers Casualty Property and Casualty Co., The Hartford and State Farm. We have our ratings, customer reviews, and reviews from customers in the Lone Star State. The company that tops the award lists for car insurance in Texas is Farmers Insurance. The Hartford’s full suite of insurance products include insurance plans for motorcycles, boats, ATVs, vintage cars, and other utility.

The Best Homeowners Insurance in New Hampshire

The Best Homeowners Insurance in New Hampshire The Homeowners Insurance Office of American Enterprise and the Insurance Protection Association, Inc. are registered trademarks of American Enterprise, American Legacy Insurance Company, or American Legacy Insurance Company. The insurance products in the series are written through separate firms and are distributed by American Family Property Insurance Exchange, an institution of excellence in New England. The Property & Casualty Insurance division of American Family provides professional insurance solutions for individuals in every market. Our insurance products include liability, property damage, personal property, personal lines coverage, and liability protection products. Contact us now for free, competitive quotes. Most insurance companies offer a discount to insure their policyholders who can t or won t use their home. It s a special case, however, and you certainly don t want it to be the case when one of your homes has a leaky radiator or broken glass. Your auto insurance coverage can provide compensation for these and other damages to your home.

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virtualofficepetalingjaya · 4 years

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Expand Your Organization Working with a Economical Business Center

If you operate a small-to-medium sized firm or perhaps a grand business, you may be considering expansion by launching a fresh division. Adding your organization's services and products to a fresh-market in a fresh location is actually a excellent way to acquire new small business, however you can find financial risks to be thought about. Nobody can predict the near future, and services and products that function well in 1 city may not perform this well in still another. It's sensible to try the benefit potential of one's department prior to building a massive investment at office leases and equipment. Read below to find out the way the digital office may be utilised to try your brand new division and also spare time and income.

The Way to Examine Your Branch Inexpensively

1 way to check industry in a fresh location with nominal investment is always to start your brand new division having a Business Center. A small business Center provides vital functions that empower your enterprise to use with hardly any investment. These crucial acts frequently include things like telephone calling part-time and services or full size accessibility to work place that's fully equipped with furniture, online, phone, fax and much more. A few Business Center services also offer a seminar room at which you are able to meet your clientele. For a low monthly fee, you should have access to all these helpful features without spending of pocket to obtain those things. You're able to keep your overhead until your company gets off the bottom.

No more Longterm Commitments

With lowcost Business Center services you are in a position to start up a fresh branch without even building a lasting devotion. By way of instance, if you'd like to check industry for just six months, then you may possibly realize that renting a workplace demands the absolute minimal one-time lease arrangement. If your goods flop because specific location, you are devoted into this rental for the whole ear and may possibly be asked to pay for a penalty in case you violate the rental. A company Center may be applied as a substitute for renting a workplace.

Your Business's Faculties

There are various kinds of organizations that may benefit by making use of a Business Center. The question you need to ask is,"Could I start a fresh branch utilizing a Company Center?" To answer this query, think about the following set of faculties. If all these attributes explain your small business, a small business Center can benefit your corporation.

1. Operations could be done in your house, car or some other remote site.

2. Most firm is achieved on line.

3. You merely speak to customers by appointment on infrequent occasions.

4. You merely need space to get a sales team.

5. Your employees work out of their residence or car.

Even although you're the CEO of a huge business, these faculties could still employ. As an instance, your company wishes to send a sales staff in a particular city to acquire business customers before launching a workplace. You have to make certain there's a prospect of profits before investing within a workplace and equipment. A company Center could be employed by your own sales people since they perform office activities, report back to a principal officeand create calls for customers, fax requests, etc.. Rather than requiring every worker to purchase equipment for his or her residence or lease costly a workplace, you're able to offer a Virtual Office Petaling Jaya as a central, convenient area. If your employees will need to meet up a consumer, then you can book a seminar room to their own meeting. A small business Center makes it feasible to use with hardly any investment.

Less Office Expense Equals More Advertising

An enormous benefit of working with a Company Center to start out your brand new division would be that you canconcentrate more of one's funds on advertising and promotion. Advertising isn't cheap, but regrettably, many organizations need heavy promotions to obtain new customers. Opening a brand new branch is quite much like starting from scratch at which promotions are concerned as you're presently reaching a totally new set of people today. If you don't have a federal franchise that provides costume tv promotional initiatives, your company may be unheardof on your new site. You're contacting another audience and building a graphic all once more. Employing a very low priced Business Center for the department provides you the additional money required to publicize your enterprise.

Use the info above to decide whether a brand new division is an applicant for a Company Center. A company Center can become a temporary remedy that will assist you build lasting good results.

#Virtual Office Petaling Jaya #coworking space kota damansara #Serviced Office Kota Damansara

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airbnbfestivals · 4 years

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Serious Issues with rude Airbnb host trying to kick us out with almost no notice because of HER choice to rent out this unit illegally (no disclosure was made, I assumed she was being honest-we're longterm have been here 3 months and have already booked the next 2 months)

We moved out to Oregon planning to stay at Airbnbs til we find a more longterm place. So we're a longterm renter at a spot and only after booking I discovered a review for the house on her property I'm staying in where the guys says she is illegally renting this due to black mold growth in the house and that they were longterm renters as well and claiming the host said "tell anybody and ill kick you out"as per the review...now the host had talked to me about this family repeating they were bad people, alcoholics, abusive to their children etc...so without noticing major problems with the house and seeing how initially kind and accommodating she was I believed my host (I am gullible)..come 3 months into our stay and had already reserved 2 more months (am currently saving; just not afforded myself a new vehicle coming by next month)...my host snapped on me for asking her to give me day before notice on hot summer days she decides to shut off my water to work on the line-saying if I don't like it leave basically at the end of the message. The next day or so she comes to my doorstep seemingly in a kind empathetic mood again with papers saying she is getting sued by former tenants and she is not allowed to rent out the unit because it's zoned as a guest suite not rental. She said she will work with me as she knows we needed that time here to save for our family and its too short notice to just kick us out and she also apologized for snapping on me earlier. (I believed her by the way) Anyway...today I went into town and my car broke down; I got it towed back to the place we're staying as I'd planned to have someone pick it up to just sell it since I'm financing a truck soon and when we get there...she bursts out angrily screaming she dosnt want a car on her property and she's getting sued and having to pay 1,000 a day if she has people staying in this house..she said she's "trying" to work with me (I guess by not kicking us out the same day when we've been nothing but nice to her and already paid for almost an additional month and have done everything she's asked us to do?) She screams and says you need to find another place NOW. Anyway I'm worried...I reread that review and now believe all of it considering they are asking her to not rent it anymore even though her story is different and seems to change a lot...I have a daughter and 2 pets...we can't just camp out somewhere...and short notice places on airbnb are very very expensive.. I had my vehicle towed elsewhere to appease her but I don't know what to do, I imagine she'll calm down and hopefully let us stay until the money we paid but at this point I canceled the airbnb stay as she requested so not I don't see how airbnb can help me. Any advice on what to do now? We don't have tons of extra money lying around and I'm overwhelmed with the host...help please? I don't want to tell airbnb because she had me cancel and if she knows I told them about this we'd definitely be getting kicked out no notice and this last months savings going to getting vehicle so we have atleast reliable transport again!

Original post here =+-+= Get $20 off your first AirBnB stay.

#Serious Issues with rude Airbnb host trying to kick us out with almost no notice because of HER choi

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profbruce · 4 years

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Disaster also brings opportunity… for a new beginning

A client of mine asks, “Hi Bruce, what are your thoughts on real estate and the economy over the next 12-24 months?”

Here’s what I answered:

No one really knows what will happen, but in my view, there will be many opportunities for people with cash. I suspect several trillion dollars of real estate in the US and Canada will trade at a significant discount to FMV (fair market value) circa 2019.

Here is a list of sectors that will be hardest hit, in my opinion… from least impacted (0) to most affected (10):

Least impacted:

Residential real estate—single family homes, townhomes, low rise (2)

Most affected:

Highrise residential (4)

Industrial (4)

Office space (6)

Retail space (8)

Recreational (8)

Travel and tourism (9)

Having said this, there will be opportunities—to, for example, convert hotels to medium and longterm rental of microsuites or repurpose office buildings and malls for mixed use where people will be able to live in affordable, live-work-play, create-make-learn-grow, entertain-shop, exercise-grow-socialize, diversified-visitable, neo-urbanist, walkable, animated places that are both economically and environmentally sustainable.

This will do more to reduce congestion and revive “dead” office and retail districts than anything else I can think of… it’s place-making, where not every trip is a car trip.

I also believe there is an opportunity to radically rearrange society… to experiment with:

GMI (guaranteed minimum incomes),

new energy production technologies,

more work-from-home,

better affordable housing solutions,

better working conditions,

a 4-day workweek including one “Earth Day” a week when EVERYTHING (except emergency services) is closed to give our planet and its wildlife a break from feverishly busy humanity)

new ways of delivering different yet improved distance-learning education including emphasis on technology, entertainment, health, fitness and wellbeing, entrepreneurship, artpreneurship and the gig economy where everyone could have their own PB4L (personal business for life),

more cooperation/cohesion between government and the private sector to advance a social, environmental and economic agenda,

more flexible zoning bylaws and ordinances resulting in more robust, more resilient towns and cities with much greater tolerance of experimentation in urban form, design and uses (how about, for a start, allowing tiny home towns, you know, embracing the less house, more life vibe, ie, lower mortgage payments, more disposable income, and less need to work ourselves to death),

building more intentional communities and neighborhoods–themed, diverse, collegial, self-sufficient... ones that are affordable and embrace both the FEHAJ (for every home a job) movement and the FEJAH (for every job a home) one,

doubling down on grow local, produce local, lend local, developing local currencies, emphasizing self sufficiency in energy, waster, textiles, meds, services (think finance, loans, insurance, investment…), even in manufactured goods (eg, 3D printed cell phones),

making three quarters of the Earth’s oceans and two thirds of the planet’s surface no-go zones for any humans and that includes not only ships and vehicles but even hikers, birdwatchers, and ecotourists…

Where is ecological diversity and wildlife flourishing most today? In the DMZ (demilitarized zone) between the two Koreas and the exclusion zone around Chernobyl. How come? Because there are (almost) no humans there, that’s why.

Who said, “Want a less stressful life? Then don’t live within your means, live below them.”

Me.

Now I find out that North Korean sympathizer, Spaniard Alejandro Cao de Benós said it better, “The rich person is not the one who has more money, but the one who needs less.”

Think all this is impossible?

Well, Barcelona’s vision is to become completely self-sufficient by 2050. So, why not us?

Barcelona in 1563

Prof Bruce

FOR REAL ESTATE INVESTMENT AND BUSINESS COACHING THAT’LL HELP YOU PROVIDE FOR YOURSELF AND YOUR FAMILY FOR 3-GENERATIONS, PLEASE CONTACT:

Bruce M Firestone, B Eng (civil), M Eng-Sci, PhD Real Estate Investment and Business coach Century 21 Explorer Realty Inc broker Ottawa Senators founder 613-762-8884 [email protected] brucemfirestone.com https://www.linkedin.com/in/profbruce https://brucemfirestone.com/blog/ profbruce.tumblr.com/archive https://www.youtube.com/user/ProfBruce/ https://www.facebook.com/groups/reiroi https://bruce-firestone.c21.ca/

BOOK YOUR FREE CLARITY CALL WITH PROF BRUCE NOW, https://brucemfirestone.com/coaching/prof-bruce-real-estate-investment-and-business-coaching/talk/

• MAKING IMPOSSIBLE POSSIBLE • FREEDOM VIA REAL ESTATE INVESTMENT AND PB4L, PERSONAL BUSINESS FOR LIFE • FEHAJ, FOR EVERY HOME A JOB, FEJAH, FOR EVERY JOB A HOME • MAKE YOUR HOME WORK FOR YOU, INSTEAD OF YOU WORKING FOR IT • HIGHER ROI NOT JUST FOR OWNERS AND INVESTORS, BUT FOR TENANTS, GUESTS, VISITORS, NEIGHBORHOODS, COMMUNITIES, TOWNS, VILLAGES, CITIES AND THE ENVIRONMENT TOO

Image source: By Antony van den Wyngaerde – http://www.urbanity.es/foro/edificios-en-general/13102-documentacion-grafica-ciudades-y-edificios-espanoles-20.htmls, Public Domain, https://commons.wikimedia.org/w/index.php?curid=15693394

#barcelona #intentional communities #what the future holds

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cpsyllidesestates · 5 years

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* BUNGALOW * 4 BEDROOMS (MAIN BEDROOM WITH ENSUITE) * BIG LIVING SPACE * LUXURY DESIGN * FULLY FITTED AND EQUIPPED KITCHEN * UNFURNISHED (ONLY WITH ELECTRICAL APPLIANCES) * 1 MAIN BATHROOM * 1 GUEST W/C * BIG FITTED AND EQUIPPED KITCHEN * BBQ AREA WITH BAR * CENTRAL HEATING * FULL A/C (SPLIT UNITS) * LANDSCAPED GARDEN WITH MATURE TREES * PARKING SPACE FOR MANY CARS AVAILABLE * IRRIGATION SYSTEM * WATER WELL * 10-15 MIN DRIVE FROM POLEMIDIA ROUNDABOUT * RENT IS 2900 PER MONTH (LONG-TERM RENTAL) PLEASE CALL US TO ARRANGE VIEWING #propertyforrent #limassol #luxuryhomes #swimmingpool #bungalow #cyprusproperty #cyprus #apesia #4bedrooms #landscapedesign #garden #rentalproperty #longterm #contactusformoreinfo #contactus #arrangeviewing #cpsyllidesestates #thankyou https://www.instagram.com/p/B5kTiwFh5RQ/?igshid=jeilpzv639t

#propertyforrent #limassol #luxuryhomes #swimmingpool #bungalow #cyprusproperty #cyprus #apesia #4bedrooms #landscapedesign #garden #rentalproperty #longterm #contactusformoreinfo #contactus #arrangeviewing #cpsyllidesestates #thankyou

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atombail7-blog · 5 years

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Homesick Texan subscriptions

The morning after Thanksgiving, as I was preparing to leave my grandma’s and head to Love Field to fly back to New York, I looked into my purse and saw my house keys were missing. At first, I figured they were in my suitcase, but after searching through all my bags and my rental car, I realized I’d left them at my mom’s place in Houston, where we’d been earlier in the week.

My brilliant plan was to cancel my flight and drive all the way from McKinney to Houston to pick them up, but my mom had a different idea. She offered to have a friend go to her house, get my keys, and send them to me in New York. Meanwhile, I could call on my building’s superintendent to let me into my apartment. I didn’t want to give up control, so I said, “I hate asking people for help.” Mom nodded and said, “I get it. But everyone needs assistance sometimes and it’s always okay to ask for help when you need it.”

I mention this now because I’ve reached a point that my current financial model of running Homesick Texan is no longer sustainable. To continue, I need your help. If you are a regular reader and would like to offer support, please consider purchasing an annual subscription to Homesick Texan.

Here’s the situation. Homesick Texan is funded by ad revenue. Unfortunately, ad spend has been on a steep decline for some time. For the past couple of years, I’ve made up the difference by supplementing my income with savings but that is not a longterm, workable solution.

The main costs of running the site are from hosting, software subscriptions, newsletter services, ingredients, equipment, and research. Other costs include rent, utilities, equipment, travel, and insurance. I pay for all this myself with no reimbursement or outside backing, besides ad revenue. This is what keeps me independent but at the same time, the costs accumulate.

Here’s my solution. At first, I considered erecting a paywall, but I don’t wish to do that. Another option would be to load even more ads up on the site and do sponsored posts, but I’m loathe to do that as well since a profusion of ads would take away from both the efficiency and aesthetics of the site. Indeed, increasing the advertising would take away from the site’s autonomy and independence.

Here’s the thing. I love researching, cooking, writing, and photographing recipes to share with you, and I love that as an independent publisher, I am free to share what I wish. I answer only to myself and you, my readers. If Homesick Texan remains independent, I can focus on topics that others may not find marketable, but I know y’all will enjoy. This freedom makes creating Homesick Texan my greatest joy.

For those readers who wish to make a financial commitment to what I’m doing on the site, I’m now offering annual subscriptions to Homesick Texan. There’s an adage that if one has 1,000 devoted fans buy what they’re selling, an independent content creator can make a living. Would you like to be one of my 1,000?

While I’m not going to take anything away from the blog, beginning in 2019, subscribers will have access to extra, exclusive content. There will also be opportunities for subscriber-only chats, if there is interest. I may even mail you a hand-written card with an original photo.

Subscriptions start as low as $25 a year, which is a bit over $2 a month, the price of a coffee. There are higher-priced options based on what you’d like to pay, and there’s even a family subscription where five people can gain access for the price of four.

If you enjoy using the site and cooking the recipes, please consider subscribing. To purchase a subscription, you can go here and choose your level. I would love your patronage and be very grateful.

This is an experiment, but I’m willing to give it a try. I adore sharing recipes with you, and while that passion will never stop, I need to figure out a way to make it sustainable so I can continue. I appreciate your consideration and thank you for reading!

Source: https://www.homesicktexan.com/2018/12/homesick-texan-subscriptions.html

#read more #see more #check it out #interesting #learn more

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atvmykonos-blog · 5 years

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www.atvmykonos.com #atv #scooter #hire #rental #renta #mykonos #mobility #youcan #visit #explore #people #fit #liberty #corner #discover #terms #travelling #two #island #wheel #vehicle #ride #car #scooters #drivers #models #offer #easy #weare #renting #perfect #service #high #customers #safety #traffic #enjoy #great #best #latest #save #time #beautiful #airport #money #insurance #quad #terrain #lowest #quads #beaches #provides #popular #around #periods #economical #operate #forrent #coastline #bestprice #resort #moving #specialists #variety #avery #satisfaction #find #improved #personalized #due #convenient #rentalservices #exploring #short #abilities #way #prices #unforgettable #stability #season #collection #four #increased #private #areas #longterm #packs #guaranteed #competitive #aim #rates #even https://www.instagram.com/p/B1KNNyNhKZ2/?igshid=11hbi4h6sbrnn

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captain-natasha23-blog · 5 years

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Long Term Car Rental

Need a Long Term Car Rental? Exclusive Car Rental is the best Car Rental Company which is providing Monthly Car Leasing in Singapore. Get a good condition car at a very cheap price for Long Term.

#longtermcarrental #monthlycarleasingsingapore #longterm

https://www.exclusivelimo.com.sg/monthly-car-leasing-singapore/

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darwinbigelow · 4 years

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398: 22 BRRRR Properties in Under 10 Hours Per Week with Tarl Yarber

When Tarl Yarber last appeared on the show (#189), we got a behind-the-scenes look at his monster house flipping business.

He was doing a lot of volume, but here's the catch: he was stressed out and unhappy. Plus... with zero rentals to his name, he had to keep spinning the hamster wheel – "feeding the machine" – to make any money.

Today's show is about a big mindset shift, and the systems and teams Tarl put in place to create a business that truly serves him, rather than the way around... and allows he and his wife to travel 200 days a year while working on his business rather than in it.

We cover a lot of topics here, from high-level success principles to the specific real estate investing actions you can take – today – to adopt a more intentional and focused approach to building longterm wealth.

Lastly – Tarl's an exceptional networker, and the guys discuss the importance of meeting up with other rockstar investors even if the pandemic is preventing you from doing it in person.

So... how do you do that?

Well, Tarl's hosting a virtual conference September 18-19, and he's offering a 50% discount to BiggerPockets Pro members (check your email). This isn't a series of webinars, either... You'll be able to actually meet up with other attendees through online breakout groups, so it solves for the biggest challenge most investors are facing right now.

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In This Episode We Cover:

The many advantages of the Buy, Rehab, Rent, Refinance, Repeat (BRRRR) Strategy

Creating multiple exit strategies when BRRRR'ing

Why sketchy tax deductions can hurt your longterm wealth

Designing your real estate investing strategy to fit your desired lifestyle

How Tarl and his wife mapped out their vision on butcher paper

Making a "To Do" List and a "To Don't" List

Why businesses need to be able to "scale down" in times like these

And SO much more!

Links from the Show

BiggerPockets Forums

BiggerPockets Podcast

BiggerPockets Business

BiggerPockets Bookstore

BiggerPockets Podcast 365: Ret. Navy SEAL Jocko Willink on Embracing Discomfort and Leading Through Extreme Ownership (+ His Real Estate Investing Tips!)

Virtual Wealth Expo

BiggerPockets Podcast 189: 500 Deals, the $100,000 Wholesale Paycheck, & the Systems That Make it Work with Tarl Yarber

BiggerPockets Podcast 395: From Car Valet to $100k/Month… Seriously! with Thach Nguyen

The Notebook

Check the full show notes here: https://www.biggerpockets.com/show398

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toomanysinks · 5 years

Text

A focus on diversity reaps rewards for this Los Angeles investor

The Los Angeles startup scene has come a long way in the three-and-a-half years since Marlon Nichols, Troy Carter and Trevor Thomas launched Cross Culture Ventures. The city and its surrounding Orange County exurbs were at the beginning of a venture capital surge that has seen invested capital in the region rise from $3.63 billion in 2015 to $6 billion last year.

Since Cross Culture landed on the Los Angeles scene with a $50 million fund, Nichols and his partners have notched three exits and seen the paper value of the fund’s portfolio grow by an aggregate of 2,085%, according to people with knowledge of the firm.

And Nichols and his partners have done it by backing one of the most diverse pools of startup founders in any firm’s portfolio.

The road to Cross Culture

The path from growing up in one of the towns on the outer edges of New York to the center of Los Angeles’s burgeoning venture capital industry wasn’t a straight line for Nichols (unlike many other venture investors). Cross Culture’s architect had to make his own way through the tech ranks after college, through a professional career in Europe, then back to business school before finally landing an opportunity with Intel Capital.

His father had worked as a train engineer in Jamaica and relocated the family to New York where his mother worked as a housekeeper before getting her beautician license and opening her own shop. The couple had moved from Jamaica two years before Nichols would take the trip himself — time he spent living with his aunt and grandmother.

Marlon Nichols, co-founder and managing partner, Cross Culture Ventures

Growing up in Mt. Vernon, NY, just north of the Bronx where he’d moved with his parents, Nichols had always expressed an interest in technology. He’d been playing around with computers ever since his parents bought him a Commodore 64.

The first person to attend college in his family, Nichols transferred to Northeastern’s newly developed major in Management Information Systems after starting out in architecture. College gave Nichols his first exposure to life in Silicon Valley as well. Northeastern had an internship program which sent students out of Boston to try their hands in the business world — and Nichols was placed at Hewlett Packard in Cupertino, Calif.

He’d intended to move out to Silicon Valley after graduation, but instead took a job in the Boston offices of Frictionless Commerce — and it was there that Nichols first confronted the constraints that the city’s lack of diversity could mean.

“In Boston there was definitely a racial undertone,” says Nichols. “Going out as a professional… you weren’t treated well.”

He took the opportunity to move to London when it was presented and spent a few years there — playing semi-professional basketball in the evenings and working for Frictionless Commerce during the day.

After the company’s acquisition by SAP in 2006, Nichols consulted at the Blackstone Group and Warner Media. “In those rooms I was again the only one [who was a minority],” he says. “I started getting annoyed by it and started thinking about it a little bit more — I thought about education and opportunities and just knowing that there’s even an opportunity out there for this career path.”

So Nichols created a nonprofit that would help inner city students get into colleges. “I never had an SAT prep-course,” says Nichols. “I didn’t have anyone coaching me.”

The program helped students start to think about applying to Cornell, Vassar and Penn, when they were initially thinking about City University in New York.

As the non-profit took off, Nichols returned to school — Cornell University on a full scholarship to its business school.

“When I started going through that process I saw even fewer of the folks that looked like me,” Nichols recalls.

From Cornell, where Nichols ran the University’s venture capital fund, he was recruited to Intel Corp as part of a management training program. Although Nichols was supposed to rotate through three different business divisions at Intel, once he was placed in Intel Capital he advocated to stay there.

And it was there that he was able to bring his passion for creating opportunities for under-represented minorities and women to an industry that sorely needed it.

It was around the time that the diversity numbers at big technology companies were generating more criticism. Long held as an island of meritocracy in a sea of industries that were rife with sexism, racism and nepotism. When Tracy Chou called for reporting on diversity numbers in 2013, Nichols saw a repeating pattern that perhaps he could do something about at Intel.

Alongside Lisa Lambert, a managing director in Intel Capital’s software and services group, Nichols, who’d been in the new user experience group at Intel Capital, advocated for the creation of a diversity fund at Intel.

“We thought that there’s got to be a way that the folks in charge of deploying capital can be involved in diversity,” Nichols says of the creation of the fund. “Diversity was front and center and then it goes away and then it’s front and center again… There had to be something that could be done from a venture perspective.”

While the diversity fund had no problem finding companies to invest in, these companies were having trouble when they sought additional capital in subsequent rounds, said Nichols.

“I saw that some of the companies — after receiving the funding — were having trouble being viewed as a high-class company which had raised money from one of the largest institutional investors in the world,” says Nichols.

The problem, as Nichols sees it, is that these companies were solving global problems for a broad base of consumers, but their perceived financing as a “diversity” play was an obstacle to their future success.

“I was like, all right… I’m not going to put this tag on their back that would make it difficult for them to raise capital in the future,” Nichols says. “Instead I’m going to look at culture from a global perspective and try to identify emerging trends — if we are successful in doing that — and can be successful in picking trends — I’m going to get a high number of diverse entrepreneurs solving problems for the 99%.”

Chart courtesy of PWC Moneytree/CB Insights

Cross Culture and the Los Angeles opportunity

By the time Nichols was ready to form Cross Culture, other obstacles had emerged at the Intel fund. The focus on diversity had predominantly settled on trying to address venture’s gender problem to the exclusion of other representation issues that Nichols thought the firm had to deal with: race and ethnicity.

In addition, many of the entrepreneurs solving problems in billion-dollar industries that Nichols identified didn’t fall within the Intel mandate. The corporate investor had to back companies that aligned with its strategic vision — something of a challenge when advocating for investments in consumer-focused beauty products for the African American community (for instance).

So, after a stint in the Kauffman Fellows program, Nichols came away with a desire to strike out on his own with the help of a few anchor investors (like Freada Kapor Klein). Klein introduced Nichols to Troy Carter of Atom Factory as another potential investor in the fund.

“I flew down to L.A. and I sat with Troy… we talked for two hours and we really got along and… at the end of the meeting he said, ‘Good to meet you, but I’m not going to invest in your fund.'”

Two weeks after that initial rejection, Nichols got another call from Carter — instead of investing, the music impresario suggested a partnership. With Carter on board as founding partner, the two began laying the groundwork for the fund that would close on its first capital within the next year.

SAN FRANCISCO, CA – SEPTEMBER 23: Troy Carter of Atom Factory speaks onstage during TechCrunch Disrupt SF 2015 at Pier 70 on September 23, 2015 in San Francisco, California. (Photo by Steve Jennings/Getty Images for TechCrunch)

Cross Culture has built a portfolio where 72% of the founders are white women and women and men of color. It’s the only firm to back several African American founders that have gone on to raise significant capital in their A or B rounds, including Blavity, PlayVS, Mayvenn and WonderSchool.

The firm has also already enjoyed some success from early exits.

Gimlet, the podcasting company that Cross Culture backed at a $36 million post-money valuation, sold to Spotify for approximately $230 million. The firm’s other exits include MessageYes, which was sold to Nordstrom, and Skurt, which was acquired by Fair in February of last year.

Nichols has been instrumental in getting the firm in front of fast-growing companies like Airspace Technologies, a provider of on-demand logistics services; PlayVS, the company bringing esports to high schools around the country; and the new mobility company revolutionizing rental cars, Fair. These companies have all seen their value jump in recent months.

After Cross Culture was given the opportunity to invest in Fair through the Skurt acquisition, Fair’s valuation increased by 150% when SoftBank added another $385 million in financing to the rental car company. Airspace’s valuation saw a 733% increase in less than 8 months when Scale Venture Partners led the company’s $20 million Series B (at a valuation over $100 million) and PlayVS saw its value increase by 329% in the six months since Cross Culture invested, according to a person familiar with the fund’s portfolio.

Diishan Imira, the chief executive of Mayvenn, recently raised $23 million for his business selling hair extensions and beauty products to the African American community, up from the $10 million the company had closed when Cross Culture invested as part of the startup’s Series A.

Mayvenn was Cross Culture’s first investment and is a testament to the longterm relationship building behind much of Nichols’ work in the venture community.

“Kirk Collins put together a group of four or five people to get together for me to pitch to and for me to get some money. Marlon was one of the people there… and me and Marlon argued the entire time,” Imira says of that first meeting with Nichols. “We argued for 30 minutes and nothing came of it. But we kept in touch. He always offered advice or support here and there. He kept tracking us. And then… prior to our whole Series A… he had just started Cross Culture. I was like ‘Yo man, I want you guys to come in.”

With a new deal for customers and a fresh $23 million, Mayvenn extends its hair care business

Meanwhile, the problem of representation in venture capital was not improving, as the rest of the venture capital industry is failing to keep pace. Only 1% of founders of startup companies receiving venture capital backing are African American, and only 1.8% of founders are Latinx, according to data from RateMyInvestor and Diversity VC.

Nichols sees a potential to reverse those trends by focusing on cities and investing in ecosystems that have been historically ignored by venture capital’s white shoe firms and traditional rainmakers.

“We had an office in Palo Alto and an office down here in Culver City,” Nichols recalled. “For the first two years I would come down every other week and Troy would come up every other week. [But] coming down here I could see there was something happening that I hadn’t seen before. Unlike in the Bay Area, I was seeing things being created for a greater percentage of the population.”

Fueled by exits in Dollar Shave Club, Snap, and Oculus more capital was coming in to the ecosystem to back a more diverse group of founders who’d proven they could find success south of the Bay Area.

“Most of the things that are coming out of the Valley these days are meant to be used by people in the Valley as opposed to people in the Bronx, or Queens or Baltimore,” says Nichols. “This is the time to be here. If you are going to invest in the companies of tomorrow you have to go where the world is moving to — and that’s black and brown, honestly.”

The census supports Nichols’ assessment. By 2044 the United States will see a majority minority population, and the next generation of consumers is already showing its preferences. Companies like Ipsy, founded by Michelle Phan, is a billion-dollar beauty business built by a minority founder, or Pat McGrath Labs, another billion-dollar makeup brand launched by make-up artists Pat McGrath, which raised $60 million from Eurazeo Brands.

Cross Culture isn’t just sitting in Los Angeles waiting to find these companies. Nichols and his firm are taking the opportunity on the road. He spent a month in Miami meeting with entrepreneurs and has organized a series of “Culture and Code” events in Detroit and Atlanta to get exposure to startups in those cities as well. Nichols describes them as pop-ups to meet entrepreneurs and investors in those communities.

For Cross Culture, the decision to travel to these urban hubs far from technology’s traditional perch in Silicon Valley is simply an extension of the firm’s broader vision.

“Only 2% of venture capital is black and Latinx and .002 is black women. Part of that is that young folks that look like me don’t know what venture capital is,” says Nichols. “It was kind of eye-opening in the sense of how a good portion of our population thinks about these demographics and what they’re capable of and it was very sad.”

Now, as Cross Culture is mostly deployed the firm needs to make a decision about its future. There’s the potential that Cross Culture could go out for another $50 million to $100 million, or, potentially raise a larger new vehicle.

To date, the firm’s average investment size has been roughly $250,000 into the the 34 companies that the firm has backed so far.

For Nichols, the success of these companies is an imperative. Not just to make money, or to prove out his thesis, but because of what failure would mean for other firms that take a broad approach to their investment thesis trying to back the best founders — no matter their background. Nichols believes it’s important for the venture industry, for the economy, and for the broader society.

“There is no way I can fail at this,” Nichols says. “I have to win.”

source https://techcrunch.com/2019/04/12/a-focus-on-diversity-reaps-rewards-for-this-los-angeles-investor/

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fmservers · 5 years